PFS Calculator (Automated and Self Calculating Personal Financial Statement)

Provides banks with an easy-to-use, automated method of collecting personal financial information from borrowers.

  • Saves time and effort. File can be emailed to borrowers to complete, eliminating the tedious administrative task of mailing each year.
  • Assists in standardizing submission of personal financial information from borrowers.
  • Can be customized to show bank name, address (for multiple branch locations), phone, fax, etc.
  • Unlimited use. File can be used and distributed to borrowers again and again.
  • Ensures accuracy of calculations. Once entered by the borrower, entries are automatically calculated, eliminating the need to double check numbers.
  • Easy to read/interpret. No need to worry about illegible digits or handwriting.
  • Easy for borrower to understand and complete.
  • Easy to update. Once completed, borrower just needs to save the file and update applicable information the following year.
 		  

#254
$69.00
       
Pandemic Policy This may be used as a stand alone policy or incorporated into your Business Continuity Policy. Contains guidance from The Interagency Statement on Pandemic Planning. Includes sample Pandemic Plan.  

#253
$175.00
       
Emergency Preparedness and Disaster Recovery
 *Updated		 Sets the basic plan for emergency preparedness including employee training and protection, succession, alternative headquarters, back-up facilities, back-up systems, and testing. This policy has been updated to reflect guidance from the "Interagency Statement on Pandemic Planning." Includes a sample Pandemic Plan to be cusotmized for your bank.  

#151
$275.00
       
Incident Response Plan This customizable plan lays out the steps to be followed should a bank experience a breach of data or loss of customer information. Includes examples of incidents.  

#250
$75.00
       
John Warner National Defense Authorization Act of 2007 Regulates the terms of certain extensions to active duty servicemembers, including Active Guard and Reserve duty, and their dependents.  

#251
$125.00
       
Red Flag Identity Theft Toolkit The Red Flag Identity Theft Toolkit will help you develop and implement a comprehensive identity theft program for your bank. The Toolkit will allow you to identify specific forms of activity that should raise a "red flag" to potential risk of identity theft and develop an implementation strategy to detect, prevent, and mitigate identity theft as required by the revised FACT Act regulation. It also covers potential "red flags" in connection with requests for change of address relating to credit and debit cards and address discrepancies from consumer reporting agencies. It can be used by different departments individually or the bank as a whole, and provides the information needed for the required board reporting. Includes: 1) Identity theft risk assessment workbook in Microsoft ExcelŽ (interactive risk rating templates), 2) Implementation checklist, 3) Identity theft policy, and 4) Training manual that can be customized to meet the unique needs of your bank.  

#249
$395.00
       
Identity Theft Prevention Policy (Red Flag)
*Updated		 Provides guidance regarding the nature of identity theft, ways to prevent or deter it, response to suspected or actual instances, and education of bank staff and customers. This policy includes the final rules and guidelines implementing sections 114 and 315 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) including "red flag" guidance.  

#224
$225.00
       
Remote Deposit Capture Identifies and explains the inherent risks associated with RDC, establishes a sound risk management program and outlines internal controls and written procedures for managing the on-going risk.  

#248
$225.00
       
Information Security Program This policy and the sub-policies it contains are designed to provide guidance to all bank employees of the confidentiality and importance of safely maintaining customer information.  

#252
$425.00
       
Compliance Management Profile Risk Assessment Workbook This easy-to-use tool will provide a structured method for evaluating your bank’s compliance management program, as well as a better understanding of where your compliance efforts are paying off and/or what areas demand more attention. Covers compliance management from a global/overall perspective as well as by regulation. Includes workbook and 28 interactive risk rating templates on CD.  

#244
$345.00
       
Internal Controls Addresses the various controls to ensure efficient and effective bank operations, the reliability of financial reporting, and an effective risk management system.  Covers administrative, accounting, and operating controls.  

#242
$225.00
       
BSA/AML Risk Assessment Development Workbook

This instructional workbook will assist a BSA Officer or Compliance Officer in completing an overall BSA/AML risk assessment in accordance with the FFIEC’s examination procedures expectations. Internal auditors wishing to perform a BSA/AML risk assessment on the bank’s compliance program will also find this a very valuable tool. The process is examined in detail as it guides you through the determining factors such as the bank’s size and structure, geographic locations, customers and entities, operations, and products and services. A prerequisite to completing the risk assessment is performing customer due diligence to determine those customers or customer types that involve higher BSA/AML risks.

 

#238
$295.00
       
Pre-Employment Background Screening

Reflects information contained in the FDIC’s Financial Institution Letter 46-2005 on Pre-Employment Background Screening. Covers the purpose and scope of the policy, responsibility, service providers, minimum screen requirements, additional screening procedures, and policy review. Note: This policy is included in our Human Resources policy (#184).

  

#237
$125.00
       
Quality Control System Sets the guidelines for establishing a quality control system. Covers the purpose and scope of a quality control system, system operation, investigation, and policy review.

#226
$175.00
   
Home Equity Lending Guides the bank in establishing requirements for marketing, underwriting standards, collateral valuation management, individual account and portfolio management, and servicing for open and closed-end loans.

#236
$175.00
   
Disposal of Consumer and Customer Information Sets forth the bank’s systems and policies regarding the destruction of customer and consumer information. Defines various bank records and outlines steps to destroy information contained in them. Includes information to review a third-party service.  

#232
$125.00
       
Money Services Businesses This policy provides guidance to assess the risks associated with servicing MSBs. Topics include the identification, documentation, and monitoring of these entities, as well as the operational areas and reviews that must be conducted to be in compliance.

#235
$175.00
       
ACH Risk Management Establishes policy guidelines to reduce risk exposure and ensure compliance with NACHA Operating Rules and applicable federal regulations when originating or receiving ACH transactions. Covers responsibility/authority, originator credit risk management, exposure risk management, regulatory risk management, third-party processor risk management, Internet transaction risk management, operational risk Management, liquidity risk management, disaster risk management, and policy review. 
Buy ACH Risk Management and ACH Operations policies and save $50.  (Use Offer Number 401 when ordering.)

#229
$225.00
       
ACH Operations Assures proper compliance with NACHA Operating Rules and facilitates the smooth flow of electronic payments via the ACH network. Covers responsibility/authority, originator transaction processing, customer risk coding, check-to-ACH conversion (CTAC), third-party processors, exposure monitoring, compliance, Internet transactions, daily RDFI operations, scope of ODFI services, daily ODFI operations, operational contingencies, and policy review.
Buy ACH Risk Management and ACH Operations policies and save $50.  (Use Offer Number 401 when ordering.)

#231
$225.00
       
Bank Owned Life Insurance (BOLI) Identifies risks inherent in the acquisition, retention, and use of BOLI. Covers specific types and limitations on BOLI, including key persons, cost recovery, split-dollar life insurance, and life insurance on borrowers.

#234
$275.00
       
Merchant Services Guides the bank in managing its relationship with Visa/MasterCard merchants. Topics include management of risk, capital adequacy, merchant approval processes, pricing, and fraud monitoring.

#233
$225.00
 
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